Credit Analyst

I was initially contacted via phone by a woman in HR in Charlotte. She set me up to come into the Dallas office (Bank of America Plaza) (see Wikipedia) and meet with 3 different groups within the CIB division. Specifically, (i) Real Estate Gaming & Lodging, (ii) Tech Media & Telecomm, and (iii) Insurance. There was at least one opening in each group for an entry-level Credit Analyst. At the office (64th floor), there were a handful of other candidates. It was a rotational interview style where I met with 12 members of staff over the course of 3 hours. The breakdown was as such: two back-to-back thirty minute interviews within each group (total of six 30-minute interviews). Two of the following people were in each room: Analyst, Associate, VP, Director.

In the first interview within each group, the 30 minutes would be consumed by them explaining the group and the job function and then asking about your resume and background. In the second interview, they would assume you knew about the role (because of the explanation given in the first interview) and wanted to know what questions you had for them. It was mainly just a conversation, but there were a few technicals and some questions about your perception of where the market is going.

After a week, I was emailed and scheduled to come in for a follow-up with the Real Estate Gaming & Lodging group. The structure was the same, where I had two 30-minute interviews. In the first, they talked more about the role and allowed me time for questions. In the second, I was quizzed hard about my modeling skills (on my resume) and hit with some technicals mainly involving accounting.


Although the interview structure (i.e., six 30-min interviews in 3 hours) seems intense, it was a relatively informal process based more on your background and credentials than on stiffening technical questions. Aside from one of the Insurance guys (who kept asking me about Balance Sheet analysis after I told him I had little knowledge about the differences between FIG and the other groups), I generally liked everyone I interviewed with.

Real Estate Gaming & Lodging claimed to work the longest hours.
FIG claimed to be the most laid back.
TMT appeared to be the nicest and most friendly.